What is rental car insurance? Rental Car Insurance Explained

What is Rental Car Damage Protection?


Rental Car Damage Protection helps cover the cost of damages due to collision, theft, vandalism, natural disaster or any other cause beyond your control, protecting you from a potentially significant bill.

We offer equivalent protection up to 50% less expensive† with a $0 deductible (called “excess” elsewhere including Europe) for insured US residents.

New to RentalCover.com? Try these helpful articles:
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Why Use RentalCover.com
How Claims Work

Rental car company waivers vs our protection

Depending on the company, waivers often exclude important things like keys, windshields, tires and underbody damage, and cost anywhere between $19-$37 per day. Our protection gives you this coverage for up to 50% less (and even less in Europe)† with no deductible/excess.

Why should you protect your rental car?

By opting for protection, your rental car is covered if something goes wrong like theft, vandalism or natural disaster. Protection is optional, but it can save you from paying significant bills on your own.

What's included?

You’ll be insured against rental vehicle damages due to:

  • Collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while the vehicle is in your possession.
  • Loss of use charges as a result of an accident that you’re required to pay the rental company.

Read more about how Rental Car Damage Protection works.

Why choose us?

Our insurance partners are hand-selected for their commitment to improving outcomes for car renters. All products are vetted so that you get the coverage you need to protect your rental. 

Some of our key benefits are:
  • Save up to 50%†. 
  • No hidden fees and no claim fees.
  • No deductible/excess.
  • We aim to complete claims within three business days.
  • 100% free cancellation up until the time of pickup.
  • Coverage works for any country and any rental company.*

Collision Damage Waiver (CDW) & Excess Waivers (SCDW) explained**

CDW is an optional service sold by car rental companies that protects you in case you’re in an accident that causes damage to your car rental. Outside of the US, the CDW includes a large deductible/excess.
Our Country Guides have more information.

*For US Residents, Rental Car Damage Protection coverage is included as part of a travel protection plan. Insurance coverages are subject to the terms, limitations and exclusions in the plan.
**These coverages are provided by other carriers.

† We compared the costs of collision damage protection via RentalCover.com to the average cost of collision or loss damage waivers (including taxes and fees) for a one-week rental (December 11 - 17, 2016). Cost comparison is in U.S. dollars and is based on online quotes provided by Alamo, Avis and Hertz for an airport pickup and drop-off of a compact car in Boston, Dallas, Las Vegas, Orlando, and Portland for a U.S resident over age 25. No discounts applied.